:root{--navy:#0F3556;--teal:#0E7C7B;--teal-dark:#0A5E5D;--amber-border:#B45309;--amber-bg:#FEF3C7;--bg:#FFFFFF;--bg-alt:#F2F7F9;--border:#D7E3EA;--text:#1C2B36;--muted:#55676F;--radius:8px;--container:1120px;--content:720px}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:17px;line-height:1.65;color:var(--text);background:var(--bg)}
a{color:var(--teal-dark)} a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.skip{position:absolute;left:-9999px} .skip:focus{left:8px;top:8px;background:#fff;padding:8px 12px;z-index:99}
.container{max-width:var(--container);margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff} header.site a{color:#fff}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.brand{font-size:20px;font-weight:700;line-height:1.25;text-decoration:none}
.brand small{display:block;font-size:13px;font-weight:400;opacity:.85}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav.main a{display:inline-block;padding:10px 12px;border-radius:6px;text-decoration:none;min-height:44px;line-height:1.4}
nav.main a[aria-current="page"]{background:rgba(255,255,255,.18)}
.btn{display:inline-block;min-height:48px;line-height:1.3;padding:13px 20px;border-radius:8px;font-weight:700;text-decoration:none;border:2px solid transparent;text-align:center}
.btn-call{background:var(--teal);color:#fff!important} .btn-call:hover{background:var(--teal-dark)}
.btn-outline{background:transparent;color:var(--navy)!important;border-color:var(--navy)}
.btn-nav{background:#fff;color:var(--navy)!important;padding:10px 16px;min-height:44px}
.nav-toggle{display:none;background:transparent;border:2px solid #fff;color:#fff;border-radius:6px;padding:8px 12px;min-height:44px;font-size:16px}
main section{padding:40px 0} main section.alt{background:var(--bg-alt)}
.hero h1{font-size:34px;line-height:1.15;color:var(--navy);margin:0 0 12px}
h2{font-size:27px;line-height:1.25;color:var(--navy);margin:0 0 14px} h3{font-size:20px;line-height:1.3;color:var(--navy);margin:0 0 8px}
.lede{font-size:19px;line-height:1.6;max-width:var(--content)}
.safety{border:2px solid var(--amber-border);background:var(--amber-bg);border-radius:8px;padding:16px 20px;margin:24px 0}
.safety h2,.safety h3{color:#7C2D12}
.grid{display:grid;gap:16px} .cards{grid-template-columns:1fr}
.card{border:1px solid var(--border);border-radius:8px;padding:20px;background:#fff}
.card p{margin:0 0 10px} .card p:last-child{margin-bottom:0}
.steps{list-style:none;padding:0;margin:0;counter-reset:step} .steps li{counter-increment:step;border-left:4px solid var(--teal);padding:4px 0 16px 20px;position:relative}
.steps li::before{content:counter(step);position:absolute;left:-18px;top:0;background:var(--teal);color:#fff;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700}
table{width:100%;border-collapse:collapse;margin:16px 0} caption{text-align:left;font-weight:700;color:var(--navy);padding-bottom:8px}
th,td{border:1px solid var(--border);padding:10px 12px;text-align:left;vertical-align:top} th{background:var(--bg-alt);color:var(--navy)}
.faq details{border:1px solid var(--border);border-radius:8px;padding:14px 18px;margin:0 0 12px;background:#fff}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:18px}
form{max-width:620px} label{display:block;font-weight:700;margin:14px 0 4px}
input,textarea{width:100%;padding:12px;border:2px solid var(--border);border-radius:6px;font:inherit;min-height:48px}
input[aria-invalid="true"],textarea[aria-invalid="true"]{border-color:#B42318}
.form-msg{border-radius:8px;padding:14px 18px;margin:16px 0} .form-error{background:#FEF3F2;border:2px solid #B42318} .form-info{background:var(--amber-bg);border:2px solid var(--amber-border)}
footer.site{background:var(--navy);color:#fff;margin-top:0} footer.site a{color:#fff}
.footer-grid{display:grid;gap:24px;padding:36px 0} footer.site h2{color:#fff;font-size:20px}
.callbar{display:none}
img,svg{max-width:100%;height:auto} .hero-media{margin:20px 0}
@media(min-width:768px){
 main section{padding:64px 0} .hero h1{font-size:44px} .cards{grid-template-columns:1fr 1fr}
 .footer-grid{grid-template-columns:1.4fr 1fr 1fr 1fr} .hero-layout{display:grid;grid-template-columns:1.5fr 1fr;gap:32px;align-items:start}
}
@media(min-width:1024px){ .cards.three{grid-template-columns:1fr 1fr 1fr} }
@media(max-width:767px){
 .nav-toggle{display:inline-block} nav.main{display:none;width:100%} nav.main.open{display:block}
 nav.main ul{flex-direction:column} nav.main a{display:block}
 .header-inner{flex-wrap:wrap} .brand{flex:1}
 .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--navy);padding:10px 12px;gap:10px;align-items:center;justify-content:space-between}
 .callbar a{color:#fff} .callbar .btn-call{flex:1} .callbar button{background:transparent;border:2px solid #fff;color:#fff;border-radius:6px;min-height:44px;padding:8px 12px}
 body.has-callbar{padding-bottom:76px} body.callbar-dismissed{padding-bottom:0}
 table{display:block;overflow-x:auto}
}

@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto} *{animation:none!important;transition:none!important}}
.breadcrumb{font-size:15px;color:var(--muted);padding:16px 0 0} .breadcrumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px} .breadcrumb a{color:var(--teal-dark)}

.brand{display:flex;align-items:center;gap:12px} .logo-img{height:44px;width:auto} figure{margin:20px 0} figcaption{font-size:15px;color:var(--muted);margin-top:8px}

.trust-badges{display:flex;flex-wrap:wrap;gap:8px;padding:0 0 16px}.trust-badges span{border:1px solid #D7E3EA;background:#F2F7F9;color:#0F3556;padding:6px 12px;border-radius:999px;font-size:14px;font-weight:600}.trust-badges a{color:#0F3556}

.cta-inline{text-align:center;margin:28px 0}

main img{max-width:100%;height:auto}

.trust-banner{text-align:center;margin:28px 0}

/* Header navigation: mega-menu panels like the reference (white panel, dark text) */
.header-inner{flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;min-width:0}
.brand .logo-img{flex-shrink:0}
nav.main li.has-sub{position:relative}
nav.main li.has-sub > a::after{content:" \25be";font-size:13px}
nav.main .sub{list-style:none;margin:0;padding:12px 8px;display:none;position:absolute;top:100%;left:0;min-width:280px;background:#fff;border-radius:10px;box-shadow:0 12px 32px rgba(0,0,0,.28);z-index:60;flex-direction:column}
nav.main .sub li{width:100%}
nav.main .sub a{display:block;padding:10px 14px;min-height:44px;white-space:normal;color:var(--navy)!important;border-radius:6px}
nav.main .sub a:hover, nav.main .sub a:focus{background:#F2F7F9}
nav.main li.has-sub:hover > .sub, nav.main li.has-sub:focus-within > .sub{display:flex}
nav.main .sub.mega{display:none;grid-template-columns:1fr 1fr;gap:2px 16px;width:560px;max-width:calc(100vw - 32px);box-sizing:border-box;padding:16px}
nav.main li.has-sub:hover > .sub.mega, nav.main li.has-sub:focus-within > .sub.mega{display:grid}
@media(min-width:768px){
 nav.main{display:block}
 nav.main ul{flex-direction:row;flex-wrap:nowrap;align-items:center}
}
@media(max-width:767px){
 .header-inner .btn-nav{display:none}
 .brand{flex:1 1 auto}
 nav.main{width:100%}
 nav.main ul{flex-direction:column;flex-wrap:nowrap;align-items:stretch;gap:0}
 nav.main li{width:100%}
 nav.main li.has-sub{position:static}
 nav.main li.has-sub > a{font-weight:700;border-top:1px solid rgba(255,255,255,.15)}
 nav.main .sub, nav.main .sub.mega{display:flex;position:static;flex-direction:column;flex-wrap:nowrap;width:calc(100% - 16px);margin:0 0 8px 16px;padding:6px 0;background:rgba(255,255,255,.08);border-radius:6px;box-shadow:none;min-width:0;grid-template-columns:1fr}
 nav.main .sub li, nav.main .sub.mega li{width:100%}
 nav.main .sub a, nav.main .sub.mega a{display:block;width:100%;padding:10px 12px;min-height:44px;box-sizing:border-box;color:#fff!important}
 nav.main .sub a:hover, nav.main .sub a:focus{background:rgba(255,255,255,.12)}
}